California was one of the states hardest hit by the housing downturn, and much remains to be done to help families in distress either keep their home or help them avoid the foreclosure.

With so many homeowners in distressed properties and unsure of their options and how their lender would treat their modification and short sales requests. The federal government has introduced the Home Affordable Foreclosure Alternatives (HAFA) to help homeowners. HAFA is the first program to set much needed standards for the industry it provides standardized processes, documents needed for a short sale request, required response times for your lender, and incentives for servicers who participate in the program.

A short sale requires a number of parties (you, the buyer, your real estate broker, your accountant, your legal counsel, and the property’s lender(s)) each working together to make this option successful. It may offer a good solution if you are interested in avoiding foreclosure and want to try and minimize the impact of losing your home on your credit rating.

I understood the importance of familiarizing myself with the HAFA program’s details and process that is why I became a certified HAFA specialist. I have obtained the distinction of a Certified HAFA specialist offered in conjunction with Asset Plan USA (a nationwide foreclosure alternatives solution provider) and the California Association of Realtors. The program was introduced in April of 2010 and I passed the program in June of 2010.

Since then, I have assisted many friends, family members, and clients short sale their homes and I would be happy to help you short sale your home and help you move past this unpleasant circumstance. I am committed to helping my community and nation recover from this housing down turn by assisting as many members of my community avoid foreclosure. Please call me to discuss your options and so that I can answer your questions.